In partnership with

Retirement Income Investment Portfolios.

Retirement-specific portfolios built for the income needs of clients.

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Speak to the team

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Speak to the team

Speak to the team

Request a Factsheet

Request a Factsheet

In partnership with

Retirement Income Investment Portfolios.

Retirement-specific portfolios built for the income needs of clients.

Speak to the team

Speak to the team

Request a Factsheet

Request a Factsheet

Speak to the team

Speak to the team

Request a Factsheet

Request a Factsheet

Retirement is a different problem.

In accumulation, risk means volatility and the main lever is equity weighting. Once a client starts drawing an income, the questions move on to whether that income will last and keep pace with inflation, and what a market fall in the first few years would do to the plan. When yields sat near zero, an income-led approach was hard to run at scale. That has changed.

 

P1 Investment Management has partnered with PIMCO to offer model portfolios built for exactly this. Working together, P1 brings a decade of experience of working with advisers and their clients while PIMCO draws on more than 50 years of fixed income experience and over a decade of research into decumulation.

In accumulation, risk means volatility and the main lever is equity weighting. Once a client starts drawing an income, the questions move on to whether that income will last and keep pace with inflation, and what a market fall in the first few years would do to the plan. When yields sat near zero, an income-led approach was hard to run at scale. That has changed.

 

P1 Investment Management has partnered with PIMCO to offer model portfolios built for exactly this. Working together, P1 brings a decade of experience of working with advisers and their clients while PIMCO draws on more than 50 years of fixed income experience and over a decade of research into decumulation.

Sequence risk can determine whether retirement capital survives.

How the PIMCO Retirement Income Models work.

Built for decumulation

The portfolios are designed to support regular withdrawals over a retirement of uncertain length, balancing income now with the potential for growth later.

Active where it matters

PIMCO actively manages the fixed income, where security selection has most bearing on income and risk. Equity exposure is held through passive third-party funds to keep costs down.

P1 manages the operational side, execution, rebalancing, portfolio oversight, so your team spends less time on administration and more on financial planning.


Managed and overseen by P1

We handle implementation, rebalancing and switching. Our Investment Committee reviews each portfolio every quarter, looking at performance and adherence to its mandate.

Quarterly governance meetings with Albion's team, challenging agendas, insightful process inputs and robust monitoring. Your investment proposition stays on track because someone is always watching it.


Supported by retirement research

PIMCO's research draws on a decade of US retirement market experience, giving them the data to build portfolios that support sustainable withdrawals across different income needs.

Inside the Retirement Income Models.

Four models, each with a different balance of fixed income and equity. Select a model, then hover over or tap a strategy to see how each one is built.

Four models, each with a different balance of fixed income and equity. Select a model, then hover over or tap a strategy to see how each one is built.

Speak to the team

Speak to the team

Speak to the team

Speak to the team

Request a Factsheet

Request a Factsheet

Request a Factsheet

Request a Factsheet

“Our partnership with P1 brings a decade of retirement income expertise built in the US markets, to UK advisers, our Retirement Income Models are designed to give advisers access to a dedicated investment framework, balancing the need for income with the need for capital to keep working throughout retirement. They also reflect our long-standing conviction that active management can play a particularly important role in fixed income markets, where structural inefficiencies may create opportunities for active managers.”

Simon Hillenbrand

Head of Global Wealth Management, PIMCO.

Simon Hillenbrand

Head of Global Wealth Management, PIMCO.

Simon Hillenbrand

Head of Global Wealth Management, PIMCO.

What will you get?

Four retirement portfolios

Choose from Conservative, Balanced, Moderate Growth and Growth models, offering different combinations of fixed income and equity exposure.

Retirement income analysis

Advisers can access analysis that considers different spending and legacy objectives, including preserving the client’s starting balance, growing their wealth or gradually spending down capital.

Ongoing oversight and support

P1 provides discretionary management, quarterly Investment Committee oversight, published literature, regulatory reporting and Consumer Duty governance. PIMCO supports the proposition through investment research, portfolio insights, reviews and adviser resources.

Speak to the team about the PIMCO models

Speak to the team about the PIMCO models

Speak to the team

Speak to the team